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Pohjola Insurance (OP Group)

Pohjola Vakuutus / OP Vakuutus

95Score

★★★★☆4.3

Customer satisfaction · 2.0M members

Finanssiala: #1 Non-Life Insurer(2026)

Pohjola Insurance is Finland's #1 non-life insurer with approximately 32.6% market share. Part of OP Financial Group (Finland's largest cooperative), it operates its own Pohjola Hospital network for policyholders and offers fast-track health insurance.

Overall Score

95/100

Founded

1891

Headquarters

Helsinki

Type

private

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Key Metrics

Non Life Market Share

~32.6%

Parent Company

OP Financial Group (cooperative)

Own Hospitals

Pohjola Hospital network

English Support

yes

Editorial Ratings

Finanssiala: #1 Non-Life Insurer(2026)

Rating: #1 Non-Life Insurer — ~32.6% Market Share (max: #1)

95Finanssiala

Coverage Highlights

✓Finland's #1 non-life insurer (~32.6% market share)
✓Part of Finland's largest financial group (OP)
✓Own Pohjola Hospital network for policyholders
✓Fast-track health insurance for treatment access
✓Strong digital health services

Pros

✓Largest market share in Finland
✓Own hospital network for policyholders
✓Cooperative ownership model
✓Excellent English support

Cons

✗Premium pricing
✗Must be OP customer for best benefits
✗Large organization

Frequently Asked Questions

What is the Pohjola Hospital network?

Pohjola operates its own hospital network in Finland, providing policyholders with fast-track access to specialists and treatment. This is a unique benefit not offered by other Finnish insurers.

Do I need to be an OP customer?

While anyone can purchase Pohjola Insurance, the best benefits and pricing are typically available to OP Financial Group customer-owners.

Does Pohjola offer English support?

Yes. Pohjola Insurance provides full English-language support, including an English website and customer service.

Quick Summary

InsurerPohjola Insurance (OP Group)

Country🇫🇮 Finland

Overall Score95/100

Satisfaction4.3/5

Members2.0M

Typeprivate

Founded1891

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